We are expecting a mortgage offer soon. The bank mentioned the mortgage came with free conveyancing. Is the implication that I have to appoint their panel solicitor as I would prefer to use a Northop based conveyancing firm?

Do check but the chances are that appoint one of their panel conveyancers should you want the "fee-free" incentive. Speak to the bank and determine if they make available a monetary alternative. In the past a few lenders offered a £250 cashback as a further option in which case that money can go towards your preferred conveyancing solicitor near Northop.

I know that there are debates on Chancel Insurance on online forums. Do I need this when purchasing a residence in Northop? or Apparently there is a law dating back centuries that could mean that homeowners residing in a parish church boundary will be compelled to pay for maintenance to the chancel in proximity to the church. Is this a legitimate concern for conveyancing in Northop?

Unless a prior purchase of the premises took place post 12 October 2013 you can assume that solicitors conducting conveyancing in Northop to remain encouraging a chancel search and or chancel repair liability policy.

About to purchase a new build flat in Northop. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build conveyancing.

Here are examples of a few leasehold new build enquiries that you should expect your new-build leasehold conveyancing in Northop

Where there is an Undertaking being granted there is the risk of forfeiture of the Headlease subject to relief if one or more of the Underlessees are willing to accept the original Head Lessee’s obligations as otherwise relief will be denied to the Underlessees. The only alternatives are the Head Lessor agreeing not to forfeit the Headlease or the Head Lessee guaranteeing to the Underlessees that it will not be in breach of the Headlease. Where service of notices and proceedings can be at the property demised please confirm that this can be amended to include simultaneous services at the Lessees’ solicitors’ offices where the Lessee from time to time is not resident in the UK - such solicitors may be varied by notice in writing to the Landlord from time to time but otherwise will be as previously specified. Forfeiture - bankruptcy or liquidation must not apply under this provision. There must be mutual enforceability of lessee’s covenants. The Lease must contain a provision on behalf of the Vendor to pay the service charges in respect of unoccupied units in order to ensure that all services can be provided.

Due to the encouragement of my in-laws I had a survey completed on a house in Northop ahead of retaining lawyers. I have been told that there is a flying freehold overhang to the house. My surveyor advised that some lenders will not grant a loan on this type of house.

It depends who your proposed lender is. Lloyds has different requirements from Nationwide. Should you wish to telephone us we can look into this further with the appropriate lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Northop. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Northop to see if the conveyancing will be more expensive.

My partner and I today discovered that one of the partners of the solicitors acting on the purchase conveyancing in Northop is an uncle of the owners that we are purchasing from. Is this permitted?

On the basis that there is no conflict of interest this is allowable. Where you are needing mortgage finance then the mortgage company may have a say as many mortgage companies have specific requirements on this. For example for Bradford & Bingley as of 16/7/2025, the requirements read as follows :